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Found 22 results

  1. Several years ago, I was once listed as an authorized user on one of my parent's American Express Blue Sky account; it was a revolving account. Anyway, my parent allowed the account to charge-off and it was closed. The account used to report to my file at the CRAs, but several years ago I disputed it as a "not mine" and it was removed; it no longer reports. I was wondering if this situation would have caused me to have been put on the Amex black list? I believe the charge-off happened about 8 years ago. As for another question, what type of baddies, if any, will result in automatic denials
  2. How long did it take to complete your upgrade from the store card to the Amex? I talked to Macy's about a week ago about upgrading my store card to a Macy's American Express after a botched CLI request (I took a hard inquiry for an increase from $800 -> $1500). I was told that there was nothing in my credit profile that should prevent approval, and that it would take 7-10 days for a decision. I logged into my account as recently as two minutes ago and my account is still showing the store (red) card. What was your experience with the upgrade?
  3. There are usually a lot of questions about why to apply for new Amex cards in January, particularly this time of year. Below is a brief explanation. When you have an Amex log in, you have a "Member Since" date. For example, here is what mine looks like when I log in to my account. Once you have established a "Member Since" date, every new Amex you open will show as being opened in the MS year. For example, every Amex I open reports as being opened in 1992. A new Amex will report the month that it was opened with the MS date as the year. For example, let's assume a MS date
  4. Trying to keep it short ... I have been away for a while. Came back this week to say hi in GD. Started reading around in CF and saw this thread: The Master Blacklist Black List Thread – Work In Progress, Help Needed Now, I haven't applied for an Amex since 2007. Back then, the CO was no longer on my reports. Only denied because of internal blacklist. Not sure when it actually CO'd. So, I thought WTH. I'll try. Applied for the Everyday card because it looked kind of cool. FACO on TU is 721. The rest are unknown. I do have quite a few other cards at this point with a
  5. OMG! Can't believe it worked! DW applied for 3x CLI, from $9,400 to $28,200, instant approval! It was on her Amex Blue everyday card. Her FICO scores: Exp : 789 TU : 798 Eq : 806 Card used lightly over last 61 days, PIF always. She wants to achieve credit pimp status in the next year!! Thank you fellow CB'ers for all the great advice! (special shout out to BobWang, Ubercat, mendlesshon, HoustonLynne, CV91915, SecretAgentWoman)
  6. Hi. Anyone ever had any luck offsetting an AMEX annual fee or getting some kind of a retention bonus? I recently called the main line with regard to an annual fee on my BCP, and both the CSR and a supervisor told me that there was nothing they could do or offer me, despite my suggestion that I was seriously considering cancelling or at least downgrading the card to the no-annual-fee version. Just wondering if I should try my luck again with a different CSR or if there is a different number that I should call that would be more successful. As always, any feedback and help is greatly a
  7. Hi, I have a Amex Business Gold card and wanted to know if it is possible to ask for the personal guarantee to be removed?
  8. Just wondering if anyone can give me their opinion on an EASY Amex to qualify for. I am gearing up for my own App Spree and am considering Macy's or Dillard's, though I know these aren't Prime Cards, I am wondering if they are even worth app'ing for or if I am missing others. FYI, I am not going to app with BofA or PenFed as I don't believe they aren't a viable option for me at this time (In recent App Spree DW was Declined at PenFed and BofA gave her a $3k Rewards card). Again, any input is greatly appreciated. On a side note, am I understanding correctly, that ANY Amex gets you into the Cent
  9. Greetings, I haven't been around in a while...have been trying to keep my head above water and so here's my story. Had some trouble for about 5 months in 2009 which resulted in a few late payments and the closing of an AMEX Blue. High Balance was $11K and they cut it in half when I gave them $5K. Then they subsequently called in the line 30 days later...and I fought it which turned into a dispute that resulted in the account going to collections so I could no longer even deal directly with AMEX. I played hardball even though it was affecting my score and let the collection agency c
  10. Hello, Does anyone know if amex pfd? if so how do you go about it? From what date does the acct drop off- Date reported? Date opened? Last Reported? thanks
  11. Called AMEX today to attempt to negotiate a settlement. Account is 74 days past due so it hasn't go to the cancellation department. The Service Rep said Amex has not been offering settlements for 2-3 years. Said it will go to cancellation then to litigation. Is this a bunch of BS?
  12. I listed individual income on my Amex app. I have read threads where people listed HHI. Should I call them in 6 months or so and change it to HHI in hopes for a larger limit on a CLI? I looked for a "Master HHI CC" or similar thread to see which cards actually allow HHI on apps (after the fact). I didn't find one with various search terms. Does one exist and I am just missing it? I'm done with apps but thought a "Master CC HHI" thread might be useful for others in the future. If you all think it would be useful/helpful, is there a CC guru willing to start one? I have an Amazon Pr
  13. I just came back from a month's long vacation in Europe and had a few questions in regards to FEF. I will be returning before the end of the year and wanted to prepare myself for the next trip. I used my Amex Platinum everywhere that I could to take advantage of their no FEF offer and it worked out great. I checked the transactions after confirming the exchange rate at the time of purchase and they literally don't charge anything at all. So if the exchange rate was $1.34 per Euro that day, that's what I paid. Unfortunately, American Express was not accepted in too many places. So I was for
  14. I will try to make this as to the point as possible: A number of years ago, a lot of stuff happened and I ended up getting screwed over by family which caused me to run up a lot of debt. Then a couple of years ago, I had a high amount of debt on one of my American Express accounts. The catch with this account is that it has to be paid in full every month. So I was paying $1,000 a month to pay this card off, but because that wasn't the full amount, I was getting hit with a late payment to my credit score every month for 6+ months. I called and talked to them when this first happened and at
  15. Some of you might know the issues I already had with American Express, well in the past few days it only got worse. I'll start from the beginning. Warning! LONG READ! 7/24 - I app for the Amex Detla Gold, they triple pull me and nothing happens for a while. I call in to check the status every few days but no progress 8/7 - A second pull on TU, this makes a total of 4 8/8 - Get an email that I was approved, 2k limit - Also today after reading it was good to get multiple amex cards at the same time I app for a BCE. 8/13 - I get my Delta gold in the mail AND a denial letter dated
  16. Hello Everyone! This is my first post on creditboards, but I have been using the site for a little while in terms of the credit pulls database, as well as researching threads. I'm having a little issue finding the information I need, and there are few, if any, datapoints in this regard: I received a targeted offer in the mail based off my Transunion report only for the American Express Blue Sky. It's one of the relatively top offers, with 30,000 bonus points ($400 worth of travel), 17.24% APR, and 0% 15 month intro period on purchases. I was not planning on apping for a long time a
  17. So, I don't know my credit score, but I'm assuming it's not very good because there are a few Adverse Accounts on my credit report (working on those now). I've never had a credit card before but I'm looking to finally get one to build up my score. Should I apply for the American Express Blue Cash card? What are the chances that they'll approve me? What are the consequences if they don't? Can I re-apply later? Thanks.
  18. First post. Really enjoy reading the forum. I made a lot of mistakes with my credit and it has finally been 7 years since my last mistake. I have 36k in student loans that have established enough credit to pick up some cards. I started with a cap1 secured (200) in April and went for the pre approved platinum offer in May (1000). I also got an amazon store card (400 in May then CLI to 1900 this month). My first big score came with getting in with NFCU because of my brother's service and getting there signature cash rewards visa with 17k limit in June. It definitely felt great. My E
  19. A little background: I got an Amex Delta gold card in 2006, and then got unemployed and it charged off in 2008. I paid off the chargeoff in January of 2012, and was finally approved two weeks ago for the Delta Gold again (after applying FOUR times). When I got my card, it said "13". On the website, it said "Member since 05". Ebuddog: Hi, my member since date is incorrect on my card. Rep: It sure is! Let me get with the printing department to see what the issue is. (puts me on hold for 5 mins. I'm kind of getting nervous) Rep: Okay, looks like they printed up a whole bunch of cards a
  20. Here is my credit at a glance. Credit Karma FAKO 736 Experian score: 702 Transunion: 704 Equifax: (Im putting a freeze on it since they cant seem to get my report accurate) Credit inquires: 8 Number of accounts: 11 (Macys doesnt report my card to Experian for some reason but I wish they did) Macy's: 3.4 yrs. $2,000 Walmart: 2.4 yrs $3,300 Capital One platinum: 2.1 yrs. $750 Target: 2 yrs $200 Sears: 1.6 yrs $2,600 Ashley's Furniture: 1.6 yrs $5,000 Best Buy: 1.6 yrs $3,300 Banana Republic: 1.6 yrs $1,100 Chase Freedom: 1.5 yrs $800 Capital One Visa" 1.4 yrs. $750 U
  21. I have a letter from American Express that is 10 months old confirming that I was a victim of identity theft and that AmEx has taken "all necessary steps to close the account and remove any and all derogatory information regarding this American Express account from your credit bureau report." Nothing shows up from them on my credit report anyway. I have excellent credit. Apparently someone charged thousands of dollars to an account under my name 10 years ago, but even Amex acknowledges this was theft and not my fault. A year or so ago I applied for an American Express card, and I was denie
  22. Question for anyone with AMEX experience. I have been a cardholder with AMEX since 1980. Just use the Platinum card. Last year I had an issue with my bank (account was hacked - COMPLETE MESS) - anyway it resulted in 2 missed payment on my card - so I have a 30 and 60 late. I have never missed a payment in the 32+ years I have been with them. I wrote a nice long letter and sent it to AMEX corporate in NY - asking for them to remove the late payments since it was a situation that was out of my hands - and since I have never missed a payment in over 30 years. I just received a generic
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